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28387 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 28387 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,272
P&I Payment$2,833
Taxes & Ins$272
Utilities$167
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Mortgage Details

$541,154
Local Median: $541,154
$108,231 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$3,272

Monthly Breakdown

Principal & Interest
$2,833
Property Taxes
$180
Homeowners Ins.
$92
Utilities
$167

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$586,962

Local Housing Facts for ZIP Code 28387

  • ·Median home value: $541,154 (adjusted for current market conditions)
  • ·Est. property taxes: $2,161/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,108/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,999/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in SOUTHERN PINES?

Based on the local median home value, estimated real estate property taxes in SOUTHERN PINES are around $2,161 per year.

What is the average home price in SOUTHERN PINES?

The median home value in SOUTHERN PINES is currently estimated at $541,154.

How much does homeowners insurance cost in SOUTHERN PINES?

For a median priced home, homeowners insurance in SOUTHERN PINES averages around $1,108 annually.

What is the true total cost of owning a home in SOUTHERN PINES?

True homeownership costs go beyond principal and interest. In SOUTHERN PINES, a typical homeowner with a median-priced home of $541,154 can expect to pay roughly $2,161/yr in property taxes, $1,108/yr for homeowners insurance, and $1,999/yr in energy utilities. That adds approximately $439 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.